I imali idiphozi - inikeza zimali?

Njengoba ufunda uhla imikhiqizo idiphozi ezihlinzekwa amabhange, ibinzana ezivamile "Ukwenza ofeleba yesibambiso." Kuyini, futhi yiziphi izinzuzo ke THEMBISA depositor, odinga ukukwazi wonke umuntu uya ukungena esivumelwaneni umnikelo nebhange.

Inqubo yokwaba imali isithakazelo kungenziwa okusekelwe ifomula lelula nobe lelukhuni. isithakazelo Simple ibalwa ngokuvele azalane inani idiphozi ngesilinganiso ukubuya. Kwehlukanisa le nombolo 100, ungakwazi ukunquma ngenzuzo, okuyinto eyenziwe idiphozi elula.

isithakazelo Compound ibalwa ehlukile. inzalo enqwabelene okwesikhathi esithile plus idiphozi main kanye ekuqongeleleni okwengeziwe kusekelwe esengeziwe idiphozi. Ngakho, sitini ngesitini imali "zikhula." Le nqubo ukushaja inzalo "lemali nenzalo" iyona imali yesibambiso. Lokho kungase ulethe zimali - oluphakeme sobala. Bathole imali uma kuqhathaniswa idiphozi elula kungaba elibaluleke kakhulu, kuye ngokuthi indlela kanye nokuvama nosonhlamvukazi.

Uma ekuqongeleleni isithakazelo kuyokwenzeka ngesikhathi esifanayo, ekupheleni kwesivumelwano idiphozi, kuyobe sekuba i-kancane inzuzo the zimali ngaphandle nyangazonke isithakazelo imali. Ukusebenzisa i-intanethi wokubala ezifakwa nge ofeleba, elakhiwa enkonzweni cishe noma yikuphi yasebhange, ungabona iphethini: ezincane isikhathi isithakazelo, ayanda umphumela wokugcina. Inketho kungaba ngcono uvele ucabangele ofeleba nesithakazelo kanye ngenyanga.

Ukuhlaziya izimo kanye nemingcele iminikelo ezahlukene, kungenzeka ukuthola iphethini elandelayo: ezifakwa nge ofeleba ngenxa abe izinga engezansi ukubuya. izikhungo Ukubolekwa ngokuvamile hamba ku iqhinga kancane - bazimisele ukuchaza yeka indlela okuzuzisa wetimali eminikelo. Lokho lokhu kungenxa ukwehla zenzalo ngu 0.5-1 ngemaphesenti, bengakhulumi.

Esinye isici kungenzeka kubalulekile abangamalungu akhokhela lo mshwalense. Inhlanganisela evumayo kakhulu imibandela kanye kwemigomo idiphozi - ke ezifakwa nge ofeleba kanye gcwalisa. Kuyinto kwencika ngokuphelele esicacile: kokuba ikhono ukwandisa inani lotshalo mali, ngaleyo ndlela kwande zimali isithakazelo ngenxa kuye. Ngakho, lapho singaqiniseka ezingeni lelisetulu engenayo on idiphozi enjalo. Hhayi indima yokugcina, yebo, odlala elithi imali izindawo ebhange ngesikhathi isithakazelo.

Ngakho, kokucubungula umbuzo nenzuzo kanjani umnikelo ofeleba, bazobeka inzuzo ecacile kufanele kunjalo unake kukhethwa uhlobo idiphozi. Inketho kangcono zimali kuyinto ukubala okunembile kwezindikimba idividendi ekhokhwa, okuyinto uzokwazi ukwenza umsebenzi ebhange nge iklayenti siqu esikhungweni credit. Khona-ke, esekelwe izinombolo ezithile ungenza ukukhetha sokugcina. Ukuyitadisha ngokucophelela le ncwadi yonke imigomo yenkontileka, ukunemba kanye sokugcina isikhathi lapho ukubala inzalo - isiqinisekiso sokuthi zimali inzuzo.